This Mobile Banking Service Addendum (“Addendum”) sets
forth additional terms and conditions regarding your use of Desert Schools
Federal Credit Union’s (the “Credit Union”) mobile banking service (the “Mobile
Banking Service”). Use of the Mobile Banking Service is governed by the Online
Banking Terms and Conditions except as specifically set forth in this
Addendum. If there is a conflict between the Online
Banking Terms and Conditions and this Addendum, the terms in
this Addendum will govern your use of the Mobile Banking
Service. By registering for or using the Mobile Banking Service, you agree to the
terms of both the Online Banking Terms and Conditions
and this Addendum. .

1. Services.
The Mobile Banking Service allows you to access
your Credit Union account information and conduct banking transactions through
the Credit Union’s online banking services using
compatible mobile phones or other mobile devices (“Mobile Device”). To use the
Mobile Banking Service, you must download and install a third-party software application
(the ‘Software”) on your Mobile Device and follow the procedures for activating
the Mobile Banking Service. The Credit Union reserves the right to modify the scope of the Mobile Banking Service at
any time.

A list of compatible Operating Systems is included on
the Credit Union’s website. The listing of a compatible operating system is
not a recommendation, endorsement or representation of any kind by the Credit
Union regarding such operating systems. You are solely responsible for selecting
your Mobile Device and making sure that you know how to properly
use your Mobile Device and the Mobile Banking Services. The Credit Union may change
or upgrade the Mobile Banking Service from time to time that could require a
change or upgrade in your Mobile Device or the Software. You are solely
responsible for any required upgrade to your Mobile Device or the Software and any
losses caused by your failure to properly use and maintain your Mobile Device.

You agree not to use the Mobile Banking Service or the
content or information delivered through the Mobile Banking Service in any way
that would: (a) infringe any third-party copyright, patent, trademark, trade
secret, or other proprietary rights or rights of publicity or privacy,
including any rights in the Software; (b) be fraudulent or involve the sale of
counterfeit or stolen items, including, but not limited to, use of the Mobile
Banking Service to impersonate another person or entity; (c) violate any law,
statute, ordinance or regulation (including, but not limited to, those
governing export control, consumer protection, unfair competition,
anti-discrimination or false advertising); (d) be false, misleading,
inaccurate, defamatory or unlawfully harassing; or (h) interfere with, disrupt
or attempt to gain unauthorized access to the Mobile Banking Service.

2. Other Agreements. Nothing in this
Addendum modifies, alters or changes your existing agreement with your third-party
Mobile Device provider or carrier. Your Mobile Device provider or carrier may
charge additional fees for use of the Mobile Banking Service or
have limits or restrictions that could impact your use of the Mobile Banking
Service, for example restrictions on data usage or transfer or fees for sending
or receiving text messages. You agree that
you are solely responsible for all such fees, limitations and restrictions
and that any problems or issues related to your mobile service are between you
and your mobile service provider or carrier.

3. License. Provided that
you comply with the terms of this Addendum and other applicable agreements, you
are hereby granted a non-transferable, non-exclusive license to
download, install and use the Software solely in connection with the Mobile
Banking Service. You agree not to reverse engineer
or reverse compile any Mobile Banking Service technology, including,
but not limited to, any Software or other mobile phone applications
associated with the Mobile Banking Service.

In the event that you wish to change to a different Mobile
Device, you will be required to download and install the software to such
different Mobile Device. This license will terminate
automatically upon (i) termination or cancellation of the Mobile Banking
Service for any reason; (ii) termination or cancellation of your online banking
services with the Credit Union for any reason; or (iv)
written notice to you at any time, with or without cause. In the
event this License is terminated for any of the foregoing
reasons, you agree to promptly delete the Software from your Mobile Device.

4. Account Information. You agree to
provide and keep all of your account information accurate and current and to
only access authorized accounts through the Mobile Banking Service.
You agree that the Credit Union and its service providers
may send you, by text message, email, and other methods,
communications relating to the Mobile Banking Service, including
without limitation welcome messages, notices and information
and requests for information relating to use of the Mobile Banking Service. You
agree to keep your password or PIN required to access the Mobile Banking
Service confidential. You are solely responsible for all transactions and
other activity through the Mobile Banking Service accessed using your
password or PIN. If you believe your password or PIN has been stolen or
is being used without your authorization, please contact the Credit Union
immediately.

5. Indemnification.
You agree to indemnify, defend, and hold the Credit Union and its service
providers harmless from and against any and all third party claims, liability, damages,
expenses and costs (including, but not limited to, reasonable attorneys’ fees) caused
by or arising from your use of the Mobile Banking Service.

6. Charges for the Service. You
agree to pay for the Mobile Banking Service in accordance with the Credit
Union’s current fee schedule and as amended from time to time. You authorize the
Credit Union to automatically charge your account for all such
fees incurred in connection with the Mobile Banking Service.

7. Warranty
and Limited Liability. The Mobile Banking Service is provided AS IS and AS
AVAILABLE. You acknowledge that the Mobile
Banking Service may be interrupted, may be limited or may not be accessible over some mobile networks. You further
acknowledge that, from time to time, the Mobile Banking Service may be delayed,
disrupted or interrupted and that could result in inaccuracy, delay,
misdelivery or error in transmission of data or information. Information available through the Mobile
Banking Service may not be current or may differ
from the information that is available directly through the Credit Union website.
The Credit Union and its service providers
disclaim all warranties relating to the Mobile Banking Service or otherwise in
connection with this Addendum, whether oral or written, express, implied or statutory, including,
without limitation, the implied warranties of merchantability, fitness for particular purpose and non-infringement. Neither the Credit Union nor its service
providers will be liable to you or any third party for any indirect, incidental, exemplary, special, punitive or
consequential damages of any kind, or for any loss of profits, business, or data, whether based in statute, contract,
tort or otherwise, even if the Credit Union or its service providers, as
applicable, have been advised of, or had reason to know of, the possibility of such damages. Under no
circumstances will the total liability of the Credit Union or its service
providers to you in connection with the Mobile Banking Services or otherwise in
connection with this Addendum exceed $50. Some states or jurisdictions do not
allow the exclusion or limitation of
incidental or consequential damages, so the above limitation or exclusion may not apply to you.

8. Change,
Suspension or Cancellation. You may
cancel your participation in the Mobile Banking Service at any time by
contacting 602-433-7000. We reserve
the right to change or cancel the Mobile Banking Service at any time without
notice. We may also suspend your
access to the Mobile Banking Service at any time without notice and for any
reason, including but not limited to,
your non-use of the Mobile Banking Service.

9.
Additional Text Banking Service Terms and Conditions

Your
use of Desert Schools’ Text Banking Service (“Text Service”) constitutes your
agreement to the following terms and conditions. These terms and conditions
are in addition to and do not supersede or replace any other agreements
applicable to your accounts or use of other Credit Union services.

You
are responsible for any and all charges, including but not limited to fees associated
with text messaging imposed by your communication service provider. Standard
message and data rates may apply.

You
agree to provide the Credit Union with a valid mobile number so that the Credit
Union may send you information about your applicable account. You agree that
the Credit Union may send you text messages through your wireless provider.
You agree to notify us immediately of any changes to your registered device.

The
Credit Union will never send a text message that asks you to supply sensitive,
personal or financial information such as your social security number or your
account number. If you receive such a request, do not respond and contact the
Credit Union immediately. The Text Service may not be encrypted and may
include personal or confidential information about you such as your account
activity or status. You acknowledge that account information may not include
recent or pending transactions or other information subject to restrictions.

You
agree to indemnify, defend and hold harmless the Credit Union from any claims,
losses, liability, costs and expenses (including reasonable attorneys’ fees)
arising from your use of the Text Service or providing a mobile phone number
that is not your own.

You further agree
that the Credit Union will not be liable for any failed, delayed or misdirected
delivery of any information sent through the Text Service, any errors in
information and any action you may or may not take in reliance on this
information.

Desert Schools Federal Credit Union

DS MobileDeposit Service Addendum to Online Banking Terms
and Conditions

This DS MobileDeposit Service Addendum (“Addendum”) sets
forth additional terms and conditions regarding your use of Desert Schools
Federal Credit Union’s (the “Credit Union”) DS MobileDeposit Service (the “DSMD
Service”). Use of the DSMD Service is governed by the Online Banking Terms and
Conditions and the Mobile Banking Services Addendum except as specifically set
forth in this Addendum. If there is a conflict between the Online
Banking Terms and Conditions or the Mobile Banking Services Addendum
and this Addendum, the terms in this Addendum will govern
your use of the DSMD Service. By registering for or using the DSMD Service,
you agree to the terms of the Online Banking Terms and
Conditions, the Mobile Banking Services Addendum, and this
Addendum.

1. The
DSMD Service. The DSMD Service is designed to allow you to make deposits
to certain of your Credit Union accounts by electronically transferring digital
images of paper checks using compatible
mobile phones or other mobile devices (“Mobile Device”). To use the DSMD
Service, you must download and install a third-party software application (the
“Software”) on your Mobile Device and follow the procedures for activating the
DSMD Service. The Credit Union reserves
the right to modify the scope of the DSMD Service at any time.

A list of compatible Operating Systems is included on
the Credit Union’s website. The listing of a compatible operating system is
not a recommendation, endorsement or representation of any kind by the Credit
Union regarding such operating systems. You are solely responsible for
selecting your Mobile Device and making sure that you know how to properly
use your Mobile Device and the DSMD Service. The Credit Union may change
or upgrade the DSMD Service from time to time that could require a change or
upgrade in your Mobile Device or the Software. You are solely responsible for
any required upgrade to your Mobile Device or the Software and any
losses caused by your failure to properly use and maintain your Mobile Device.

Before sending the electronic image to the Credit Union,
you agree to review the image for clarity and accuracy. You understand and
acknowledge that images that are not clear cannot be processed by the Credit
Union or may be processed inaccurately. Even if you are notified that an image
has been received, that notification does not mean that the image has been
accepted or that it contains no errors. The Credit Union reserves the right to
reject any image. You are solely responsible for the image and information you
transmit. You understand and agree that any amount credited to your account
based on the images sent by you for deposit is a provisional credit and you are
responsible for any loss, late fees or other service charges resulting from
rejection of the image by the Credit Union.

You agree not to use the DSMD Service or submit images
through the DSMD Service that would: (a) infringe any third-party copyright,
patent, trademark, trade secret, or other proprietary rights or rights of
publicity or privacy, including any rights in the Software; (b) be fraudulent
or involve the sale of counterfeit or stolen items, including, but not limited
to, use of the DSMD Service to impersonate another person or entity; (c)
violate any law, statute, ordinance or regulation (including, but not limited
to, those governing export control, consumer protection, unfair competition,
anti-discrimination or false advertising); (d) be false, misleading,
inaccurate, defamatory or unlawfully harassing; or (e) interfere with, disrupt
or attempt to gain unauthorized access to the DSMD Service.

The Credit Union may impose limits on the number or
amount of deposits that you can transmit using the DSMD Service or other
policies and procedures regarding access to and use of the DSMD Service. The
Credit Union reserves the right to change those limits or any policies or
procedures at any time.

2. Check Requirements.

Any image of a check to be transmitted must accurately
and legibly include all information on the front and on the back of the check.
Prior to capturing the image of the check, you agree to endorse the back of the
original check. The endorsement must include your signature as your name
appears on the check and the following information: “For Deposit Only via DS
MobileDeposit” followed by the account number to which the check is being
deposited. Endorsements that do not contain this information as stated might
be rejected. Specifically, the image must include identification of the drawer
and the paying bank that is preprinted on the check including complete and
accurate bank account numbers at the bottom of the check.

You agree to not submit images of any of the following:

a.
Checks or items payable to any other person or entity other than you.

b.
Checks or items issued by you or any other person on any of your accounts or on
any accounts on which you are an authorized signor.

c.
Checks or items containing obvious alterations in any field on the front of the
check, or which you know or suspect are fraudulent or not authorized by the
account holder on which the check or item is drawn.

d.
Checks or items drawn on a financial institution outside of the United States
or that is not payable in United States currency.

e.
Checks or items dated more than six months prior to the date of deposit.

f.
Checks or items prohibited by the Credit Union’s policies for use of the DSMD
Service or applicable to your account.

You
agree to securely store each original check for a period of 30 days after the
deposit is posted to your account and to provide the Credit Union with the
original check upon request. You agree never to re-present the check. After
the 30 days period, you agree to mark the check as electronically presented or
void and to dispose of the check to ensure it will not be presented again for
payment.

The Credit Union will notify you of any transactions that
cannot be processed because a check or other item is returned. You agree that
the Credit Union can debit your account for any returned check or item
deposited through the DSMD Service.

3. Business Days and Funds Availability

Our business days
are Monday through Friday, excluding Federal holidays, and Credit Union
declared holidays as published in our quarterly newsletter available through
your e-statements. Imaged items transmitted before 7:00 p.m. Mountain Standard
Time on a business day shall be considered received by the Credit Union on that
day. Imaged items transmitted on a non-business day or after 7:00 pm on a
business day shall be considered received by the Credit Union on the following
business day. The transmitted image is considered received by us only when we
expressly acknowledged such receipt.

We
generally apply the Credit Union’s Funds Availability Policy (as stated in our
Statements of Terms, Conditions and Disclosures) to check images received
through the RDC Service in the same manner as if we had received the original
paper check. However, in addition to any exceptions noted in the Funds
Availability Policy, we may delay availability of funds from any deposit you
make through the DSMD Service at any time in our sole discretion, dependent on
our ability to collect based upon any check image that you present

4. Other Agreements. Nothing in this
Addendum modifies, alters or changes your existing agreement with your
third-party Mobile Device provider or carrier. Your Mobile Device provider or
carrier may charge additional fees for use of the DSMD Service or have
limits or restrictions that could impact your use of the DSMD Service, for
example restrictions on data usage or transfer or fees for sending or receiving
text messages. If you download software for use of the DSMD Service
from a third party provider, use of the software may be subject to additional
terms and conditions and fees. You are responsible for complying with all
agreements between you and your mobile carrier and any software application
provider. You agree that you are solely responsible for all such
fees, limitations and restrictions and that any problems or issues related to
your mobile service are between you and your mobile service provider or carrier
or any software application provider.

5. License. Provided that
you comply with the terms of this Addendum and other applicable agreements, you
are hereby granted a non-transferable, non-exclusive license to
download, install and use the software or other technology solely in connection
with the DSMD Service. You agree not to reverse engineer
or reverse compile any DSMD Service technology, including, but not
limited to, any software or other mobile phone
applications associated with the DSMD Service.

In the event that you wish to change to a different
Mobile Device, you will be required to download and install the software to such
different Mobile Device. This license will terminate
automatically upon (i) termination or cancellation of the DSMD Service
for any reason; (ii) termination or cancellation of your online banking
services with the Credit Union for any reason; or (iii)
written notice to you at any time, with or without cause. In the
event this License is terminated for any of the foregoing
reasons, you agree to promptly delete the Software from your Mobile Device.

6. Account Information. You agree to
provide and keep all of your account information accurate and current and to
only access authorized accounts through the DSMD Service.
You agree that the Credit Union and its service providers
may send you, by text message, email, and other methods,
communications relating to the DSMD Service, including without
limitation welcome messages, notices and information and requests for
information relating to use of the DSMD Service. You agree to keep your
password or PIN required to access the DSMD Service confidential. You are
solely responsible for all transactions and other activity through the DSMD
Service accessed using your password or PIN. If you believe your
password or PIN has been stolen or is being used without your authorization,
please contact the Credit Union immediately. Unless you have notified us in
accordance with paragraph 9 of this Addendum, you represent that the phone
number(s) provided are owned by you and phone(s) and phone number(s) are and
continue to be under your control.

We may monitor your account and usage of the DSMD Service
for compliance with laws and regulations and this Addendum. We may provide
personal data to our service providers as necessary to provide the DSMD Service
to you.

7. Indemnification.
You agree to indemnify, defend, and hold the Credit Union and its service
providers harmless from and against any and all claims, liability, damages,
losses, expenses and costs (including, but not limited to, reasonable
attorneys’ fees) caused by or arising from your use of the DSMD Service or
any violation of this Addendum.

8. Charges for the Service. You
agree to pay for the DSMD Service in accordance with the Credit Union’s current
fee schedule and as amended from time to time. You authorize the Credit Union
to automatically charge your account for all such fees
incurred in connection with the DSMD Service.

9. Warranty
and Limited Liability. The DSMD Service is provided AS IS and AS
AVAILABLE. You acknowledge that the DSMD
Service may be interrupted, may be limited or may not be accessible over some mobile networks. You further
acknowledge that, from time to time, the DSMD Service may be delayed, disrupted
or interrupted and that could result in inaccuracy, delay, misdelivery or error
in transmission of data or information. Information available through the DSMD Service may not be
current or may differ from the information
that is available directly through the Credit Union website.

We are not responsible for any failure to perform our
obligations or provide the DSMD Service due to fire, earthquake, flood or any
failure or delay of computer or communication systems or other causes beyond
our control. Neither we nor any service provider can foresee or anticipate
technical issues or difficulties that could result in loss or deletion of data,
personalized settings or interruptions in the DSMD Service. We assume no
liability for the operation, security or availability of any wireless device or
network that you use to access the DSMD Service.

The Credit Union and its service providers disclaim all warranties
relating to the DSMD Service or
otherwise in connection with this Addendum, whether oral or written, express,
implied or statutory, including, without
limitation, the implied warranties of merchantability, fitness for particular
purpose and non-infringement. Neither the
Credit Union nor its service providers will be liable to you or any third party
for any indirect, incidental,
exemplary, special, punitive or consequential damages of any kind, or for any loss of profits, business, or data, whether based
in statute, contract, tort or otherwise, even if the Credit Union or its
service providers, as applicable, have been advised of, or had reason to know of, the possibility of such damages. Under no
circumstances will the total liability of the Credit Union or its service
providers to you in connection with the DSMD Service or otherwise in connection
with this Addendum exceed $50. Some states or jurisdictions do not allow the
exclusion or limitation of incidental
or consequential damages, so the above limitation or exclusion may not apply to you.

10. Change,
Suspension or Cancellation. You may
cancel your participation in the DSMD Service at any time by contacting 602-433-7000.
We reserve the right to change or
cancel the DSMD Service at any time without notice. We may also suspend your access to the DSMD Service at
any time without notice and for any reason, including but not limited to, your non-use of the DSMD Service.

Any disputes arising from use of the DSMD Service or this
Addendum shall be resolved as provided in your Online Banking Terms and
Conditions.